Data Scientist (Digital Fraud)

The analyst will assist with analytics when an anomaly or fraud incident within the Digital payments domain (Zelle, Wire, ACH, etc.) reaches the Adapt team. Specific duties to include identifying and understanding fraud patterns, proposing rules and other supplementary countermeasures to address the attack vector, to assess the effectiveness (capture rate) and impact (false positives) of said proposals, present findings to leadership/management, and assess the effectiveness of the implementation post-production compared to the prior expectations. Collaborate with partners in the line of business, monitoring (React), business as usual (Act), and systems (Plan) areas within the Enterprise Fraud Organization, operations, incident management, and other stakeholders to stay ahead of emerging fraud trends. Rapid pace environment due to the nature of the underlying work and the amount of money that can be lost as a window remains open and more bad actors are attracted to exploit it.

Skillsets include usage of statistical and advanced quantitative techniques, transactional behavior analysis, and real-time signals to design and optimize fraud detection rules that enhance customer protection while minimizing friction.

Key Responsibilities:
• Develop, write, and optimize real-time fraud detection rules using data-driven insights
• Analyze large datasets (transactional, behavioral, and device-level) to identify patterns of fraud and abuse
• Leverage statistical, machine learning, ana anomaly detection techniques to support rules-based countermeasures
• Conduct impact analysis and performance monitoring of fraud rules and adjust strategies accordingly
• Partner with fraud operations, digital product teams, and tech to deploy, test, and validate rules in production
• Evaluate and respond to emerging fraud vectors in digital channels
• Translate business problems into analytical solutions with focus on actionable outcomes
• Create dashboards and reports to track fraud trends, rule effectiveness, and key performance metrics

Preferred Skills:
• Ability to approach complex business problems with analytical rigor
• Proficiency in SQL, Python, PySpark, R and/or SAS for data analysis and rule simulation
• Familiarity with big data technologies like Hadoop, Spark, Hive, Impala etc.

Job Description

• Performs analytical tasks on vast amounts of structured and unstructured data to extract actionable business insights.
• Participates in the data gathering, data processing and data mining of large and complex datasets.
• Develops algorithms using advanced mathematical and statistical techniques like machine learning to predict business outcomes and recommend optimal actions to management.
• Runs analytical experiments in a methodical manner to find opportunities for product and process optimization. Assists in the presentation of business insights to management using visualization technologies and data storytelling.
• May partner with Data Architects, Data Analysts, Data Engineers and Visualization Experts to develop data-driven solutions for the business.

PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:

• Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
• Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

Qualifications

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.

Preferred Skills
Analytical Thinking, Competitive Advantages, Data Analytics, Data Mining, Data Science, Machine Learning

Competencies
Data Architecture, Data Mining, Disruptive Innovation, Information Capture, Machine Learning, Modeling: Data, Process, Events, Objects, Prototyping, Query and Database Access Tools

Work Experience
Roles at this level typically require a university / college degree, with 3+ years of relevant / direct industry experience. Certifications are often desired. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

Education
Masters

Certifications
No Required Certification(s)

Licenses
No Required License(s)

Benefits

PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.

In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 8 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.

To learn more about these and other programs, including benefits for full time and part-time employees, visit Your PNC Total Rewards.

Disability Accommodations Statement

If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com. Please include "accommodation request" in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

Equal Employment Opportunity (EEO)

PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.

California Residents

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